cryptolicit

Is N26 Bank SE regulated in the EU?

N26 Bank SE. Crypto-asset service provider (CASP) with home Member State 🇩🇪 Germany.

Authorised under MiCA

N26 Bank SE is listed in the ESMA register as an authorised crypto-asset service provider. The licence was granted by Federal Financial Supervisory Authority (BaFin) on 14 May 2025 and covers 1 of 10 MiCA services in 7 EEA countries.

N26 Bank SE among the EU's authorised providers

N26 Bank SE was the 11th of 100 crypto-asset service providers currently authorised in Germany, and one of 365 across the EEA, licensed 4 months after MiCA became applicable. With 1 authorised service it is below the register average of 3.3; 262 providers hold a broader one. It has notified 7 of 30 EEA countries; 58 providers have notified all of them. BaFin supervises 100 authorised providers in total.

What the authorisation covers

N26 Bank SE is authorised for 1 of the ten crypto-asset services defined in Article 3(1)(16) of MiCA. It is not authorised for custody and administration, operating a trading platform, exchange for funds, exchange for other crypto-assets, execution of orders, placing of crypto-assets, advice on crypto-assets, portfolio management, transfer services — if it offers those, that activity is outside this licence.

  • g Reception and transmission of orders 7 countries Taking a client's order to buy or sell and passing it on to another provider that executes it — a broker that does not execute itself.

Not authorised: a. Custody and administration · b. Operating a trading platform · c. Exchange for funds · d. Exchange for other crypto-assets · e. Execution of orders · f. Placing of crypto-assets · h. Advice on crypto-assets · i. Portfolio management · j. Transfer services.

Where it may operate

Through the MiCA passport, N26 Bank SE has notified 7 countries: Austria, Belgium, Germany, Spain, France, Ireland, Portugal. It has not notified the other 23 EEA states, so a client there is outside the scope of the notification.

Highlighted: countries notified for at least one service. Outlined: home Member State. Passporting is per service; see the list on the left for each service's count.

Identification

Legal name
N26 Bank SE
LEI
529900JB9XYZ8E87N345 · GLEIF record
Competent authority
Federal Financial Supervisory Authority (BaFin) (Germany)
Registered address
Voltairestrasse 8 10179 Berlin
Authorised on
14 May 2025
Register entry updated
14 May 2025

Questions people ask

Is N26 Bank SE regulated in the EU?

Yes. N26 Bank SE (N26 Bank SE) holds a MiCA authorisation as a crypto-asset service provider, granted by Federal Financial Supervisory Authority (BaFin) on 14 May 2025. It appears in the ESMA register of authorised CASPs.

Which crypto services is N26 Bank SE authorised for?

1 of the ten MiCA services: reception and transmission of orders.

In which countries can N26 Bank SE offer crypto services?

7 EEA countries: Austria, Belgium, Germany, Spain, France, Ireland, Portugal.

Who supervises N26 Bank SE?

Federal Financial Supervisory Authority (BaFin), the competent authority in Germany, which is the provider's home Member State under MiCA.

Other providers authorised in Germany

All providers from Germany →

Source: ESMA interim MiCA register (CASPS.csv), as reported by Federal Financial Supervisory Authority (BaFin). This page reflects the register as of our last sync; it is not a statement by the regulator. Methodology.